Construction and Contractor’s Insurance.
Whether you're a solo handyman or run a crew of twenty, one accident on a job site can threaten everything you've built. MeadowRisk builds contractor insurance programs that satisfy GC contract requirements, protect your crew, and cover your tools — without overpaying for coverage you don't need.
Who is this For?
For General contractors, electricians, plumbers, roofers, HVAC contractors, painters, landscapers, framers, and specialty subcontractors throughout the Bay Area.
Coverage Contractors Need.
General Liability — Required by nearly every GC contract before you can step on a job site
Workers' Compensation — Mandatory in California with any employees, including part-time
Commercial Auto — Covers work trucks, vans, and trailers
Tools & Equipment Coverage — Protects against theft and damage to tools, often the #1 claim type for contractors
Builder's Risk Insurance — Covers a structure under construction
Surety Bonds — Required for many municipal and commercial contracts in California
Why Contractors Choose MeadowRisk.
We bring construction-specific risk expertise and move fast—because we know that delays in coverage can halt your whole operation. Our specialists understand contractor exposures, work with you one-on-one to find the right protection, and get policies in place when you need them.
As a dedicated MeadowRisk partner, you work with the same team who knows your projects, your crew, and your history. We're familiar with your file and understand what keeps your business running smoothly. Your success is personal to us, not just another account.
When you're protected, we're satisfied.
Frequently Asked Questions
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Yes. Most general contractors require subs to carry their own GL policy and provide a certificate of insurance before starting work.
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General liability covers damage or injury you cause to others or their property. Workers' comp covers injuries to your own employees, and is legally required in California if you have employees.
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Commercial auto insurance typically covers damage to your vehicle and liability for injuries or property damage to others, but it usually does not automatically cover tools and business equipment carried in the vehicle. You can add coverage for tools and equipment through a commercial inland marine policy. Coverage specifics and limits vary by carrier. Contact your MeadowRisk agent to review your risks and add the appropriate endorsement or policy to protect your tools while driving.
